Eizel Mere, Medicare Insurance Broker

Answer: A non captive local agent is a wise idea because they can show you the bad and good of every plan available to you and which one suites your specific situation. Also, after working with these companies and our clients we can provide inside tips and help covering the gaps every plan inevitably has.

Answer: Most Medicare Advantage plans are $0 monthly premium. There are advantages and disadvantages to every plan, it is important to make a knowledgeable decision your first year in Medicare.

Answer: There is a Network associated with every company that offers a Medicare Advantage Plan, once you pick one you abide by the network. Plans change every year, it is important to go over your plan every year to make sure it is still the best one for you.

Answer: Part D plans change every year, prescriptions change tiers and with this price change occurs. It is important to go over the Part D plan every year to make sure it is still the best one for you. For a Part D Plan you can only make changes during AEP and OEP.

Answer: You could check the plan information online or the booklet sent by the company or you could call the number on the back of your card and ask a representative. Another way is to have an annual of your plan with an agent able to show you benefits.

Answer: No, ince you have Medicare, (advantage plan or supplement) you cannot be dropped. If you try to take a supplement after turning 66 you will need to answer health questions and they will decline you for health conditions and certain medications.

Answer: I advice all my clients to use every penny of the over the counter! It depends on the plan you have, you can have a health card that looks like an atm, you can have a separate benefits card ir you may have to order from a catalog. Feel free to contact me for mor information.

Answer: There are plans that have Givebacks to help with the Part B premium. It depends on what plans your doctor takes and whats prescriptions you take. Also Medicaid could be an option if yoir income is below the guidelines. Feel free to contact me for more information.

Answer: No, you continue to use the same Medicare card. When turning 65 yrs old you will be guaranteed issue for a Medicare supplement plan. It is a good idea to seat with an agent to go over options. Feel free to contact me.

Answer: Medicare covers preventive care, there is a list of diagnostic procedures covered by Medicare. All Advantage plans and Supplements cover what Medicare covers.

Answer: Many Medicare Advantage plans have apps where you can access your information, rewards. If that is important for you I can guide you to the plans that provide an app.

Answer: When looking for a Supplement you should know they all cover the same, have the same copays and deductibles. Plan G and Plan N are the most used in FL. When choosing a company look for percentage of raised prices during the years, they all raise the price, some more than others. Typically starting with the most inexpensive one in your area is the best way to make sure your price will stay lowest.

Answer: Guaranteed issue into a Medicare Supplement is available for 1 year. When you turn 65 it begins and it ends the day before you turn 66. You can enroll 3 months ahead of time, your plan is effective the 1st of the month of your birthday.

Answer: Medicare advantage HMO plans you need a referal to see doctors, PPO plans ypu do not need referals but a doctor can tell you they dont take your plan. A Medicare supplement plan if the doctor take original Medicare they take your plan it does not matter the company.

The Medigap are plans used to fill the gaps of Medicare. Expensive copays like ER, ambulance and hospital. These plans do not pay your medical provider they pay you directly.

Answer: If you take medications this plan covers your medications, it is important to provide your agent with all the information needed to pick the best one. If you do not have medications chances are you will have in the future. There are $0 premium plan in FL, enroll in that one and avoid penalties.

Answer: The general answer is yes. It depends on the company. Some are more strict than others. Provide your agent with all the necessary information.

Answer: Utilize a prescription drug plan. Provide your agent with all the information needed to find the best plan for you so you do not have surprise copays.

Answer: Medicare will never call you in the phone unless you have made an appointment, even then most appointments are in person in the office. If you get an unexpected call from Social security, Medicare or your Medicare company always treat it as a scam. Do not provide any information (DOB, SS, MBI) over the phone.

Answer: If you are under 65 you becomes eligible for Medicare. If you are over 65 and already have Medicare you continue with your coverage. It is a good idea to talk to an agent that can help you find a olan for your new situation.

Answer: One a year ypu should take the time to sit down with your agent and review Part D plan. Formulary change every year and that may affect what you pay. This year we have the firat maximum in payment, $2000, but this only counts with medications on formulary. For the rest of the year for medications not in formulary can use prescription discounts like AARP or Canadian pharmacy.

Answer: The questions you should be asking are: What is not covered by Medicare? How can I cover myself for those instances?

Answer: You are guaranteed issue into a Medicare Supplement Plan when you turn 65 years old and it ends when you turn 66. Ypu can enroll into the plan up to 6 months in advance but it will be effective the 1st ofbthe month of your 65th birthday. That is also applicable for the people who have Medicare because of a disability or condition.

Answer: You can look into Medicaid assistance. You need to apply with the Department of Children and Family. As a broker this is a process I assist my clients with.

Answer: Seniors tend to believe Long Term Care is covered by Medicare, but it is not. They will cover for up to 150 days in the hospital and up to 100 days of skilled nursing care.

Answer: That is a great question and it is something completely unfair. Doctors, hospital and medicine centers sign contracts with the insurance company. Unfortunately, to many times, I have seen doctors will stop taking a plan mid year. This happens with both HMO and PPO. It is a general problem, not a company specific ploblem.

Answer: Hospital Indemnity plans will cover those out of pocket expenses and the things Medicare just does not cover. This way you are more likely to go to the doctor/hospital when you feel ill because you know you have something in place to cover your expenses. Also, the hospital indemnity plans I use do not go up in price like Medicare and Supplements do. If you cannot afford or dont want to pay for a Supplement you can have Supplement-like protection at a fraction of the cost.

Answer: Annuities are the bread and butter of retirement. With a well structured indexed annuity you can stablish a lifetime pension, prepare for long term care and leave a legacy free of probate. Give me a call for more in depth information. Every company is different and I can find you the best annuity for your situation and goals with about 200 companies.